Described is a technology for seamless initiation of a transfer of payment from a sender to a recipient by sending email, without requiring any account creation and/or login procedure. The technology can involve sending payment from one mobile device to another. In one aspect, the technology includes receiving a payment amount from a sender via the sender's mobile device, causing an email with pre-populated information to be generated using a native email application on the mobile device, and initiating the process to transfer the payment amount upon sending of the email. The technology enables a simplified payment transaction system for ordinary consumers without the hassle of having to sign up, to remember a user account and a password, and to login for sending or receiving every payment transaction, while not sacrificing the essential security feature of authenticating the user for every payment transaction.